Medigap Plan G is the most popular plan type. It's also the most comprehensive Medicare Supplement Insurance plan that all Medicare members can buy.
Plan G covers nearly all of the out-of-pocket expenses associated with Medicare Part A and Part B, such as copays, coinsurance and deductibles. (Medigap plans sold to people who became eligible for Medicare after 2019 can’t cover the Medicare Part B deductible. Plan G doesn’t cover that cost — $283 in 2026.)
Every company’s Medigap Plan G covers the same Medicare benefits. But some insurance companies can be better choices than others. Since it can be difficult or impossible to change Medigap plans after the end of your Medigap open enrollment period, it’s a good idea to choose your Medigap Plan G company carefully.
Here are NerdWallet’s picks for the best Medicare Supplement Plan G companies for 2026.
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Best Medicare Supplement Plan G companies
NerdWallet compares Medicare Supplement Insurance companies based on plan availability, member satisfaction, pricing, extra perks and more.
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Below average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
4.5/5 | A, B, C, F, G, K, L and N | Far fewer than expected | Above average | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N | Far more than expected | Above average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 From Mutual of Omaha | 4.0/5 | A, F, G and N | Far fewer than expected | Above average | From Mutual of Omaha |
Best overall: State Farm
- Complaint rates far below the market average.
- Small annual price increases.
- Few discounts or health and wellness perks.
- High premiums in some locations.
Service area: 45 states and Washington, D.C.
Why we like it: State Farm gets the highest score on NerdWallet’s Medicare Supplement Insurance rubric for 2026. Its customers rarely file complaints, and its average year-over-year premium increases are smaller than any other company we reviewed. But unlike many competitors, State Farm doesn’t offer bundled perks or premium discounts.
Pros
- Complaint rates nearly 50% below the market average.
- Small annual price increases.
Cons
- Few discounts or health and wellness perks.
- High premiums in some locations.
» MORE: Read our review of State Farm Medicare Supplement Insurance
Best for customization: AARP/UnitedHealthcare
- Offers as many as eight out of 10 plan types.
- Available in every state.
- Few customer complaints.
- Plans with health and wellness discounts may cost a little extra in some areas, while some competitors include them at no additional cost.
- Plan variations and extras can get confusing.
- Higher-than-average annual price increases.
Service area: 50 states and Washington, D.C..
Why we like it: AARP and UnitedHealthcare make Medigap Plan G policies widely available with relatively competitive prices and few member complaints. In some locations, AARP offers several Plan G variations with different costs, side perks and provider networks.
If you don’t mind navigating the details, AARP’s plan variations could help you customize your coverage to fit your needs and your budget.
Pros
- Competitive prices for Plan G.
- Plan variations could be an opportunity to customize coverage.
- Few customer complaints.
Cons
- Plans with health and wellness discounts may cost a little extra in some areas. Some competitors include them at no additional cost.
- Plan variations and extras can get confusing.
- Higher-than-average annual price increases.
» MORE: Read our review of AARP/UnitedHealthcare Medicare Supplement Insurance
Best for low prices: HealthSpring (formerly Cigna)
- Low premiums.
- Smaller annual price increases than competitors.
- Plenty of premium discounts.
- Higher-than-average complaint rate.
- Only Plans A, G and N offered for new Medicare beneficiaries.
Service area: Every state except Massachusetts and New York, plus Washington, D.C..
Why we like it: HealthSpring (formerly Cigna) had lower Medigap Plan G premiums than almost any other company we analyzed, on average. And the company’s average annual price increases are also some of the smallest we saw in our analysis. This combination could mean affordable prices both now and in the future.
Pros
- Low Plan G prices.
- Smaller annual price increases than competitors.
- Sizable discounts in some locations.
Cons
- Higher-than-average complaint rates.
- Few perks or extras.
» MORE: Read our review of HealthSpring (formerly Cigna) Medicare Supplement Insurance
Best for high-deductible Medigap Plan G: Mutual of Omaha
- Complaint rates are well below the market average.
- Sizable premium discounts.
- Annual price increases are on the high side.
- Few choices for plan type.
Service area: Every state except Massachusetts, plus Washington, D.C. Temporarily unavailable in Delaware.
Why we like it: Mutual of Omaha makes high-deductible Medigap Plan G widely available, whereas many competitors offer it in fewer states. Mutual of Omaha plans have good, low complaint rates, and sizable household discounts might help reduce price.
Pros
- Complaint rates are well below the market average.
- Sizable premium discounts.
Cons
- Plan G premiums aren't the lowest.
- Minimal perks.
» MORE: Read our review of Mutual of Omaha Medicare Supplement Insurance
More Nerdy Perspective
What’s the best company for Medicare Supplement Plan G?
NerdWallet's top picks for Medigap Plan G in 2026 include State Farm, AARP / UnitedHealthcare, HealthSpring (formerly Cigna) and Mutual of Omaha. Those companies stood out from the field after we analyzed factors including premiums, discounts, complaint rates, extra perks, online quote availability and more. I recommend comparing quotes from several insurance companies. Also consider working with a licensed agent or broker to find the best fit for your budget and circumstances.
NerdWallet's top picks for Medigap Plan G in 2026 include State Farm, AARP / UnitedHealthcare, HealthSpring (formerly Cigna) and Mutual of Omaha. Those companies stood out from the field after we analyzed factors including premiums, discounts, complaint rates, extra perks, online quote availability and more. I recommend comparing quotes from several insurance companies. Also consider working with a licensed agent or broker to find the best fit for your budget and circumstances.
Alex Rosenberglead writer covering MedicareFind the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
Here’s an overview of our top picks for Medigap Plan G:
Best overall: State Farm Medicare Supplement Insurance.
Best for customization: AARP/UnitedHealthcare Medicare Supplement Insurance
Best for low prices: HealthSpring Medicare Supplement Insurance
Best for high-deductible Medigap Plan G: Mutual of Omaha Medicare Supplement Insurance
You may be eligible for Medicare plans during a special enrollment period if you are turning 65, new to Medicare plans, moving or losing coverage.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Note regarding NAIC complaint data: NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.AHIP. The State of Medicare Supplement Coverage. Accessed Feb 12, 2026.
- 2.Centers for Medicare & Medicaid Services. Compare Medigap Plan Benefits. Accessed Feb 12, 2026.
- 3.NerdWallet analysis of State Farm plan offerings. Health Insurance You Can Rely On. Accessed Feb 12, 2026.
- 4.UnitedHealthcare. Medicare Coverage Options from UnitedHealthcare. Accessed Feb 12, 2026.
- 5.NerdWallet analysis of HealthSpring plan offerings. Medicare Supplement (Medigap) Insurance Policies. Accessed Feb 12, 2026.
- 6.Mutual of Omaha Corporate Communications. Email Confirmation. Accessed Jan 22, 2026.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.